Orange County Mortgage Broker

Most Orange County homes cost more than a conforming loan covers

Orange County carries the highest conforming limit the country allows, and a large share of local purchases still land above it. That puts many buyers here in jumbo territory, where pricing varies far more between lenders than it does on a conforming loan. Jumbo guidelines are set by each lender rather than by Fannie Mae, so reserve requirements, income treatment, and rate can differ sharply on the same file.

That variation is the whole argument for shopping. A bank shows you one jumbo product. As an independent broker, Mike puts your file in front of a wide panel and lets them compete. The consultation and quote are free, and our mortgage FAQ covers the common questions.

Condos, HOAs, and why the building matters as much as the borrower

A large share of Orange County inventory is attached housing, and condo financing turns on the project, not just the buyer. Lenders check owner occupancy ratios, the percentage owned by any single entity, the reserve fund, and whether there is pending litigation. A project that fails any of those tests is treated as non warrantable, and the loan either reprices or disappears.

The frustrating part is that lenders draw those lines differently. A building one lender declines is routine business for another. Knowing which lenders are comfortable with which projects is most of the job here, and it is not something a single bank can help with.

Serving Orange County from the coast inland

Mike works with borrowers in Irvine, Newport Beach, Costa Mesa, Huntington Beach, Anaheim, Santa Ana, Orange, Tustin, Mission Viejo, Laguna Niguel, San Clemente, Fullerton, Brea, and Yorba Linda. Self employed borrowers and business owners are a steady part of the county, and bank statement and asset based programs exist for returns that show heavy write offs. See the full loan program list, or call and describe the property. Buying north of the county line? The Los Angeles page covers that market.